Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$280,021−5.1% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 26% have cut their price
Income needed to buy, per year$60,703About 0.9× the local median income ($70,980): affordable for a typical household
Days on market102 daysSlower than a year ago: buyers have time to negotiate
Next 12 months−2.4%Zillow expects prices to dip slightly
The typical home in Caldwell County, TX is worth $280,021, down 5.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $277,826, so the area is 0.8% overvalued. It is a buyer's market: homes take about 102 days to sell, listings are up 34% from a year ago, 26% of listings have had a price cut. Zillow expects prices to fall about 2.4% over the next year. A household needs about $60,703 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,980. Typical rent is $1,642 a month, or $2,340 for a house. In the latest IRS figures, 1,450 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$280,021
Change in 1 year
−5.1%
Overvalued %
+0.8%
Show 7 more
Fair home value
$277,826
Change in 5 years
−1.6%
Zillow forecast, next 12 months
−2.4%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$1,518
Income needed to afford it
$60,703
Property tax rate
1.34%
Rent and investing
Typical rent
$1,642
Typical rent for houses
$2,340
Price-to-rent ratio
14.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,817
Gross rental yield
7.04%
Cap rate (estimate)
4.57%
Market activity
Listings vs a year ago
+33.5%
Days on market
102
Listings with a price cut
26.1%
Show 3 more
Homes for sale
235
Pending sales per 100 listings
37
Asking price per sq ft
$178
People and jobs
Median household income
$70,980
Population change (1 year)
+4.2%
Unemployment rate
3.4%
Show 4 more
Population
55,150
Income adjusted for cost of living
$72,355
Net moves in (IRS)
+1,450
Cost of living (US = 100)
98.1
Schools, risk and environment
School rating (1 to 10)
3.4
FEMA hazard risk score (0 to 100)
79.8
Flood risk score
87.1
Show 3 more
Wildfire risk score
68.0
Walkability (1 to 20)
5.5
Road, rail and air noise
53 dB
Questions people ask
Is Caldwell County, TX overvalued?
Home prices in Caldwell County, TX are slightly above what local incomes have historically supported: fair value is about $277,826, so the area is 0.8% overvalued.
Is Caldwell County, TX a buyer's or seller's market?
Caldwell County, TX is a buyer's market: homes take about 102 days to sell, listings are up 34% from a year ago, 26% of listings have had a price cut.
Are home prices going down in Caldwell County, TX?
Home values in Caldwell County, TX are down 5.1% over the last year. Zillow's forecast for the next 12 months is −2.4%.
How much do you need to earn to buy a home in Caldwell County, TX?
A household needs about $60,703 a year to afford the typical home in Caldwell County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,980.